I think you look pretty good shaved. But sometimes what looks good to us, is not necessarily the same for women, plus I think you look much better with hair. With a full head of hair, it brings versatility physically and mentally. You'll look more friendly, attractive, unique, confident, no mental energy devoted to this translates to productivity. Better social times and complements, new encounters.
I got lucky with a cheap transplant since I have contacts. But I've saved up over the years while getting my own flat. It's good your saving up but I'm surprised you don't have some savings for a transplant in Turkey/East Asia from the sounds of it too.
Then again, your situation isn't that pressing. You had a full head of hair in your 20s, probably the only time it truly matters. Afterwards, we're older and it's not the same effect nor necessary. Particularly when you already have a fair amount of hair. The only reason I think you should push on is because you have looks, so a clean shave/beard to complement a thick full head of hair would transform you. If you were plain average and in your early 30s, I wouldn't say it was urgent as the transformation would be hardly noticeable.
EDIT - Also it's hard to adjust mentally when you've had hair your whole life and suddenly shave. It's a real change. Losing it early in life is a big blow but then it becomes your signature look which is obviously bad but also it becomes your norm. We don't have that option. I don't want to see a transformation of myself on facebook to bald.